WO2007106785A2 - Procédés et systèmes de segmentation comprenant l'utilisation de nombreuses variables dependantes - Google Patents

Procédés et systèmes de segmentation comprenant l'utilisation de nombreuses variables dependantes Download PDF

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Publication number
WO2007106785A2
WO2007106785A2 PCT/US2007/063822 US2007063822W WO2007106785A2 WO 2007106785 A2 WO2007106785 A2 WO 2007106785A2 US 2007063822 W US2007063822 W US 2007063822W WO 2007106785 A2 WO2007106785 A2 WO 2007106785A2
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Prior art keywords
tree
dependent variable
variable
attribute
risk
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PCT/US2007/063822
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WO2007106785A3 (fr
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Sherri Morris
Chuck Robida
Lisa Zarikian
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Vantagescore Solutions, Llc
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Publication of WO2007106785A2 publication Critical patent/WO2007106785A2/fr
Publication of WO2007106785A3 publication Critical patent/WO2007106785A3/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data
    • G06Q30/0204—Market segmentation

Definitions

  • CRAs Credit Reporting Agencies
  • segmentation The objective of segmentation is to define a set of sub-populations that when modeled individually and then combined, rank risk more effectively than a single model.
  • independent variables have a different relationship with risk (dependent variable) for different sub-populations, By identifying the appropriate sub-populations, the attributes, or characteristics, that are most predictive in isolating risk are optimized for that group.
  • Segmentation using partitions of individual attributes as defined by regression tree analysis has been the traditional methodology used for CRA scores.
  • attribute-centric, tree-based approach creates a rank ordering system resulting from a number of nodes (tree endpoints) with differing bad rates.
  • Newer methods incorporate risk-based scores, which are more effective at rank ordering than individual attributes and produce more homogeneous risk sub-populations.
  • Figure 1 is an exemplary segmentation method for segmenting a population based on multiple dependent variables including attributes, risk scores and a profile model;
  • Figure 2 is an example of a segmentation scheme that can be produced by the method
  • Figure 3A is exemplary segmentation method for segmenting a population based on multiple dependent variables
  • Figure 3B is exemplary CART segmentation method for segmenting a population based on multiple dependent variables including attributes, risk scores and a profile model;
  • Figure 4 is an exemplary operating environment.
  • Ranges may be expressed herein as from “about” one particular value, and/or to "about” another particular value. When such a range is expressed, another embodiment includes from the one particular value and/or to the other particular value. Similarly, when values are expressed as approximations, by use of the antecedent "about,” it will be understood that the particular value forms another embodiment. It will be further understood that the endpoints of each of the ranges are significant both in relation to the other endpoint, and independently of the other endpoint.
  • a risk score can be, for example, a score that predicts the likelihood that a consumer will repay on a loan or credit card. For example, predicting a likelihood that a consumer misses 2 or more payments, and the like.
  • a profile model is a model that compares characteristics of two groups within a sub-population of an overall population and predicts a likelihood that an individual will be part of one sub-population or another sub-population. The profile model can, for example, identify whether an individual has the profile of someone who will file for bankruptcy or someone who will default (90+ days past due/charge off). The profile model can, however, be adapted to any credit related attribute known in the art.
  • Segmentation can be a two step process; 1) segment identification and 2) segment testing.
  • segment identification There is no methodology that enables identification of a set of segments and a determination of how a system will perform in one step.
  • a prototype solution can be developed for each scheme to assess the performance improvement.
  • the dependent variable for any solution represents the outcome or behavior to be predicted for CRA models; this can be, but is not limited to risk and bankruptcy, response/non-response to a marketing campaign, attrition/non-attrition, and the like.
  • a risk definition broadly groups individuals into 'good' and 'bad' repayment performance.
  • 'Good' repayment performance can be defined as someone who has not experienced an arrears status more than 30 days past due over the time frame performance is evaluated (outcome period).
  • 'bad' repayment performance can be defined as someone who has experienced an arrears status greater than or equal 90 days past due inclusive of charge off or bankruptcy filing during the outcome period.
  • the definitions of good and bad performance can vary.
  • the past due period for good can be 30, 60, 90, 120, and the like.
  • the past due period for bad can be 30, 60, 90, 120, and the like.
  • the past due period for good and bad can not be the same value.
  • these techniques can include:
  • Segment identification can be performed using statistical and heuristic methods.
  • the statistical methods include unsupervised (ignore the dependent variable) and supervised (use the dependent variable) methods.
  • Cluster analysis is an example of an unsupervised method, while Classification and Regression Trees (CART) or Chi-squared Automatic Interaction Detector (CHAID) would be examples of supervised methods.
  • Heuristic methods are subjective and are based on the developer's experience or business rules. Heuristic segmentation may be determined or supported by analysis of descriptive statistics.
  • a heuristic methodology can be used in conjunction with
  • CART to develop a segmentation scheme. While CART is a statistical method, heuristic decisions can be made within the CART analysis.
  • An example of CART software that can be used includes SPSS AnswerTree®, which can automatically construct regression trees based on statistical parameters for each attribute entered into the analysis, which is consistent with other regression tree software.
  • Standard statistical tests such as the Kolmogorov-Smirnov or GINI, can be used to assess the effectiveness of the segmentation schemes relative to each other and the un-segmented benchmark algorithm. The scheme with greatest improvement of the test statistic can be promoted to the development of the final algorithm.
  • the present methods and systems can utilize independent variables such as: a previous bankruptcy flag (yes, no), the number of trades (for example, a loan, a credit card, and the like), age of oldest account on file, worst performance of an account on a credit report, age of a consumer, income of a consumer, and the like.
  • a previous bankruptcy flag yes, no
  • the number of trades for example, a loan, a credit card, and the like
  • age of oldest account on file worst performance of an account on a credit report
  • age of a consumer income of a consumer, and the like.
  • previous bankruptcy can be an independent variable defined using information from the public records information segment and the trade (account) segment of a CRA report. Any individual who had a petitioned, dismissed, or discharged public record bankruptcy or had any trade that a creditor reported as bankrupt as of the observation point (the snapshot credit data prior to the performance evaluation) can be classified as a previous bankruptcy. This was the first level of the segmentation tree, which was heuristically selected.
  • thin file can be an independent variable defined as anyone who did not have previous bankruptcy and had one or two trades as of the observation point. Analysis of the number of trades in CART produced a thin definition of 1 to 10 trades. If deemed too broad a definition, a heuristically derived thin file split can be used.
  • full file can be an independent variable defined as the compliment of previous bankruptcy and thin file, and can be defined as having no previous bankruptcy and 3 or more trades.
  • the previous bankruptcy, thin and full file branches must be mutually exclusive and exhaustive of the development database.
  • Scores can be developed using several different dependent variables for use as independent variables for segment identification. Typically, a score is developed based on the primary dependent variable (for example, good-current to 30 days past due, bad-90+ days past due/charge-off), although scores may be developed on variations of primary dependent variable, such as bankrupt/not bankrupt. Scores developed on the primary dependent variable and used in CART result in segments with the most significant separations of the dependent variable.
  • Scores can be rationalized for logical validity and political correctness prior to being used for segment identification; hence, scores used for segmentation can be used as stand-alone risk assessment tools. iii. Profile Model-Based Independent Variables
  • the profile model is a non-traditional score that can be leveraged for segmentation analysis.
  • the profile model is a departure from traditional CRA or segmentation scores in that only individuals who are components of the 'bad' group (of the primary dependent variable) are used for the score development.
  • a profile model can contrast the characteristics of individuals who file for bankruptcy versus those who go to default (90+ days past due or charge off). The 'good' group of the primary dependent variable is excluded from the analysis, because by definition they have not filed bankruptcy or gone to default.
  • the model can be logically validated and refined with respect to the bankrupt/default dependent variable to ensure a stable model. However, with respect to the primary dependent variable (risk), the model will not necessarily be logically valid and as such may not rank risk. [0034] This technique can be used to profile other factors that differentiate bad accounts, such as who is likely to be bad on an installment account versus who is likely to be bad on a revolving account. [0035] Although the score is developed only on the 'bad' group (of the primary dependent variable) the score can be applied to the entire population to create the various segments.
  • FIG. 1 provides an exemplary segmentation method for segmenting a population based on multiple dependent variables including attributes, risk scores and a profile model.
  • credit-attribute based segmentation can be performed to create at least two sub-populations based on a primary dependent variable.
  • at block 102 at least one sub-population can be segmented according to thin file and full file distinctions based on a primary dependent variable.
  • the result of blocks 101 and 102 is a first level of segment branches including previous bankruptcy, thin and full file. Thin and full file splits can be performed on the portion of the population with no previous bankruptcy based on a primary dependent variable.
  • the thin file sub-population and the full file sub-population can be segmented according to risk scores based on a primary dependent variable.
  • Regression tree analysis can be used to define risk tiers within the previous bankruptcy, thin and full file branches based on a primary dependent variable. Previous bankruptcy and thin file branches each can have two risk tiers, while full file branch can have four risk tiers.
  • the full file sub-population risk segments can be segmented according to a profile model and profile dependent variable. The resulting final level of segmentation can divide the four full file risk tiers into bankrupt and default profile pairs.
  • the objective of regression tree analysis is to determine the value of an independent variable that is most significant in separating the different groups of the dependent variable ('bad' and 'good').
  • the analysis attempts to minimize the misclassification of 'goods' in the 'bad' group and the 'bads' in the 'good' group.
  • the resultant exemplary segmentation scheme can comprise a twelve model suite of scorecards that used credit attributes, risk scores, and a bankrupt/default profile model to define the segments.
  • the overall population of consumers 201 can be divided into consumers with no previous bankruptcy 202 and consumers with a previous bankruptcy 203.
  • the consumers with no previous bankruptcy 202 can be divided into consumers with a thin file 204 and consumers with a full file 205.
  • the consumers with a previous bankruptcy 203, consumers with a thin file 204, and consumers with a full file 205 can be segmented according to risk scores. This segmentation results in consumers with a previous bankruptcy 203 being segmented into highest risk 206 and lowest risk 207.
  • Thin file 204 consumers are segmented into highest risk 208 and lowest risk 209.
  • Full file 205 consumers are segmented into highest risk 210, higher risk 211, lower risk 212, and lowest risk 213.
  • Consumers in highest risk 210, higher risk 211, lower risk 212, and lowest risk 213 can be further segmented according to a profile model. For example, a profile model wherein a consumer matches either a bankrupt profile or a default profile. This segmentation can result in highest risk 210 being divided into bankrupt profile 214 and default profile 215.
  • Higher risk 211 can be divided into bankrupt profile 216 and default profile 217.
  • Lower risk 212 can be divided into bankrupt profile 218 and default profile 219.
  • Lowest risk 213 can be divided into bankrupt profile 220 and default profile 221.
  • a first tree can be defined using a primary dependent variable (for example, a bad/good flag).
  • the levels of the tree can be defined using an additional dependent variable, resulting in a first tree.
  • a second tree can be defined based on a secondary dependent variable and the first tree can be superimposed onto the second tree. The remaining branches of the second tree can be developed based on the secondary dependent variable. The second tree can be used to segment a population according to credit related behavior.
  • previous bankruptcy, thin and full file can be defined heuristically.
  • the various risk scores risk 1, risk 2 and bankruptcy
  • risk 1, risk 2 and bankruptcy can be evaluated for several different scenarios considering single scores and combination of scores; all segments beyond previous bankruptcy, thin, and full can be defined in CART using the primary dependent variable for supervision.
  • the variables that were most significant in segmenting the sub-populations can be superseded by scores heuristically selected.
  • risk score 2 Two risk tiers each can be identified for previous bankruptcy and thin file splits.
  • the risk score using the non-bankrupt bad flag (risk score 2) can produce the most improvement in performance for those two branches.
  • risk score developed on the primary dependent variable can be used to produce four risk tiers.
  • Segments can be defined based on CART using the primary dependent variable and a second dependent variable to optimize the bankrupt/default split.
  • CART analysis for the bankrupt/default profile score can involve developing the first part of the tree using the primary dependent variable (good, bad). The analysis can be recreated using the bankrupt/default dependent variable with the first part of the tree developed on the primary dependent variable manually reproduced on the bankrupt/default flag (typically CART analysis only considers one dependent variable per analysis).
  • CART can be used to define the bankrupt/default segments using the profile score on the bankrupt/default flag for each of the four full file risk tiers. The final portion of the tree (bankrupt/default nodes) can be determined considering only the bad accounts (of the primary dependent variable). Accounts current to 60 days past due can be excluded from the analysis.
  • FIG. 3A illustrates steps in an exemplary segmentation method for segmenting a population based on multiple dependent variables.
  • definition can occur manually or empirically.
  • the first attribute-based independent variable can be bankrupt/default.
  • the second attribute-based independent variable can be not previously bankrupt and thin file/full file.
  • the primary dependent variable can be good/bad, wherein a consumer is good if the consumer has not experienced an arrears status more than 30 days past due over a predetermined time period.
  • the profile dependent variable can be bankrupt/default wherein characteristics of consumers who file for bankruptcy versus those who go to default are used to classify a consumer as more likely to file bankruptcy or default.
  • the first risk score can be good/non-bankrupt bad.
  • the second risk score can be good/non-bankrupt bad.
  • Defining a first attribute-based independent variable on a first tree using a primary dependent variable can comprise selecting a value of the first attribute-based independent variable that creates two groups that minimize misclassification of the two classes of the primary dependent variable.
  • Defining risk tiers can comprise selecting values of a score based independent variable that creates two groups that minimize misclassification of the two classes of the primary dependent variable.
  • Superimposing the first tree structure, based on the primary dependent variable, onto a second tree can comprise overlaying the first tree structure onto a second tree.
  • Defining profiles in the risk tiers can comprise selecting values of a profile model that creates two groups that minimizes misclassification of the two classes of the profile dependent variable.
  • FIG. 3B illustrates steps in an exemplary CART method.
  • definition can occur manually or empirically.
  • block 301b define previous bankruptcy and no previous bankruptcy on a first tree using a primary dependent variable (good, bad).
  • 302b define thin and full file on the first tree using the primary dependent variable (good, bad).
  • block 303b define risk tiers for previous bankruptcy on the first tree using a risk score (good, non-bankrupt bad) and the primary dependent variable (good, bad).
  • 305b define risk tiers for full file on the first tree using a risk score (good, bad) and the primary dependent variable (good, bad).
  • a risk score good, bad
  • the primary dependent variable good, bad
  • profiles in the risk tiers for full file with a profile model and the profile dependent variable, completing the second tree.
  • the profile dependent variable can be, for example, bankrupt/default.
  • Blocks 301b to 305b can be defined within the CART analysis based on the primary dependent variable with the objective of minimizing the misclassification of the 'goods' in the 'bad' group and the 'bads' in the 'good' group. Since previous bankruptcy, thin and full can be heuristic decisions, the attributes (previous bankruptcy and the number of trades) can be manually selected, as well as the partitioning value.
  • the CART software can be used to define the most significant, or optimum, values of the segmentation risk score to differentiate the bad and good groups of the primary dependent variable.
  • use of the primary dependent variable to define the partitioning value of the profile score will not necessarily minimize the misclassification of bankrupt and default profile, which is the objective of the profile score.
  • the primary dependent variable must be replaced. Given that CART only accommodates a single dependent variable, a new tree must be developed based on the bankrupt/default dependent variable. Since the bankrupt/default definition would produce sub-optimal partitioning values for the risk tiers, the tree based on the primary dependent variable, must be superimposed on the tree based on the bankrupt/default dependent variable.
  • the primary dependent variable was used to construct the second levels of the tree (first level was defined heuristically), while the bankrupt/default dependent variable was used to generate the final nodes.
  • the analysis order can be switched, such that the bankrupt/default dependent variable can be used to define the second levels of the tree and the primary variable can be used to complete the tree.
  • the CART segmentation method can be performed on a multi-CRA data set having normalized attributes (characteristics). Table I shows the breakdown of the population percentages, overall bad rates, default rates (90+ days past due to charge- off) and bankruptcy rates for the different segmentation levels and end nodes upon which segment scorecards were developed, as observed.
  • the full file 205 segment (C) comprised 88% of the development sample with the lowest risk 213 tier constituting nearly 50% of the development sample, each of the other risk tiers (210, 211, 212) contributed approximately 12% to the development population.
  • the bad rate statistics show that there is very little difference in the overall bad rates of the bankrupt/default profile pairs (214-215, 216-217, 218-219, 220-221) by risk tiers, although the underlying contribution of bankruptcy and default risk is significantly different.
  • Table II below compares the performance of the present methods and a single model solution as developed on the random development population.
  • the single model solution was logically validated and refined to enable an apples-to-apples comparison of segmented and single model solution.
  • FIG. 4 is a block diagram illustrating an exemplary operating environment for performing the disclosed methods.
  • This exemplary operating environment is only an example of an operating environment and is not intended to suggest any limitation as to the scope of use or functionality of operating environment architecture. Neither should the operating environment be interpreted as having any dependency or requirement relating to any one or combination of components illustrated in the exemplary operating environment.
  • the methods can be operational with numerous other general purpose or special purpose computing system environments or configurations.
  • Examples of well known computing systems, environments, and/or configurations that may be suitable for use with the systems and methods include, but are not limited to, personal computers, server computers, laptop devices, and multiprocessor systems. Additional examples include set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, distributed computing environments that include any of the above systems or devices, and the like.
  • the processing of the disclosed methods can be performed by software components.
  • the disclosed methods may be described in the general context of computer-executable instructions, such as program modules, being executed by one or more computers or other devices.
  • program modules include computer code, routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types.
  • the disclosed methods may also be practiced in grid-based and distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network.
  • program modules may be located in both local and remote computer storage media including memory storage devices.
  • the methods may be practiced utilizing firmware configured to perform the methods disclosed herein in conjunction with system hardware.
  • the methods and systems can employ Artificial Intelligence techniques such as machine learning and iterative learning.
  • Artificial Intelligence techniques such as machine learning and iterative learning. Examples of such techniques include, but are not limited to, expert systems, case based reasoning, Bayesian networks, behavior based AI, neural networks, fuzzy systems, evolutionary computation (e.g. genetic algorithms), swarm intelligence (e.g. ant algorithms), and hybrid intelligent systems (e.g. Expert inference rules generated through a neural network or production rules from statistical learning).
  • the methods disclosed herein can be implemented via a general-purpose computing device in the form of a computer 401.
  • the components of the computer 401 can include, but are not limited to, one or more processors or processing units 403, a system memory 412, and a system bus 413 that couples various system components including the processor 403 to the system memory 412.
  • the system bus 413 represents one or more of several possible types of bus structures, including a memory bus or memory controller, a peripheral bus, an accelerated graphics port, and a processor or local bus using any of a variety of bus architectures.
  • bus architectures can include an Industry Standard Architecture (ISA) bus, a Micro Channel Architecture (MCA) bus, an Enhanced ISA (EISA) bus, a Video Electronics Standards Association (VESA) local bus, and a Peripheral Component Interconnects (PCI) bus also known as a Mezzanine bus.
  • ISA Industry Standard Architecture
  • MCA Micro Channel Architecture
  • EISA Enhanced ISA
  • VESA Video Electronics Standards Association
  • PCI Peripheral Component Interconnects
  • Mezzanine bus Peripheral Component Interconnects
  • the bus 413, and all buses specified in this description can also be implemented over a wired or wireless network connection and each of the subsystems, including the processor 403, a mass storage device 404, an operating system 405, segmentation software 406, data 407 (such as credit related data), a network adapter 408, system memory 412, an Input/Output Interface 410, a display adapter 409, a display device 411, and a human machine interface 402, can be contained within one or more remote computing devices 414a,b,c at physically separate locations, connected through buses of this form, in effect implementing a fully distributed system.
  • each of the subsystems including the processor 403, a mass storage device 404, an operating system 405, segmentation software 406, data 407 (such as credit related data), a network adapter 408, system memory 412, an Input/Output Interface 410, a display adapter 409, a display device 411, and a human machine interface 402, can be contained within one or more remote computing devices 414a,b,c at
  • the computer 401 typically includes a variety of computer readable media.
  • Such media can be any available media that is accessible by the computer 401 and includes both volatile and non-volatile media, removable and non-removable media.
  • the system memory 412 includes computer readable media in the form of volatile memory, such as random access memory (RAM), and/or non- volatile memory, such as read only memory (ROM).
  • RAM random access memory
  • ROM read only memory
  • the system memory 412 typically contains data such as data 407 and/or program modules such as operating system 405 and segmentation software 406 that are immediately accessible to and/or are presently operated on by the processing unit 403.
  • the computer 401 may also include other removable/non-removable, volatile/non- volatile computer storage media.
  • FIG. 4 illustrates a mass storage device 404 which can provide non- volatile storage of computer code, computer readable instructions, data structures, program modules, and other data for the computer 401.
  • a mass storage device 404 can be a hard disk, a removable magnetic disk, a removable optical disk, magnetic cassettes or other magnetic storage devices, flash memory cards, CD-ROM, digital versatile disks (DVD) or other optical storage, random access memories (RAM), read only memories (ROM), electrically erasable programmable read-only memory (EEPROM), and the like.
  • Data 407 can also be stored on the mass storage device 404.
  • Data 407 can be stored in any of one or more databases known in the art. Examples of such databases include, DB2®, Microsoft® Access, Microsoft® SQL Server, Oracle®, mySQL, PostgreSQL, and the like. The databases can be centralized or distributed across multiple systems.
  • a user can enter commands and information into the computer 401 via an input device (not shown).
  • input devices include, but are not limited to, a keyboard, pointing device (e.g., a "mouse"), a microphone, a joystick, a serial port, a scanner, and the like.
  • pointing device e.g., a "mouse”
  • microphone e.g., a microphone
  • joystick e.g., a joystick
  • serial port e.g., a serial port
  • scanner e.g., a serial port
  • USB universal serial bus
  • a display device 411 can also be connected to the system bus 413 via an interface, such as a display adapter 409.
  • a computer 401 can have more than one display adapter 409 and a computer 401 can have more than one display device 411.
  • a display device can be a monitor, an LCD (Liquid Crystal Display), or a projector.
  • other output peripheral devices can include components such as speakers (not shown) and a printer (not shown) which can be connected to the computer 401 via Input/Output Interface 410.
  • the computer 401 can operate in a networked environment using logical connections to one or more remote computing devices 414a,b,c.
  • a remote computing device can be a personal computer, portable computer, a server, a router, a network computer, a peer device or other common network node, and so on.
  • Logical connections between the computer 401 and a remote computing device 414a,b,c can be made via a local area network (LAN) and a general wide area network (WAN).
  • LAN local area network
  • WAN general wide area network
  • a network adapter 408 can be implemented in both wired and wireless environments. Such networking environments are commonplace in offices, enterprise-wide computer networks, intranets, and the Internet 415.
  • Computer readable media can be any available media that can be accessed by a computer.
  • Computer readable media may comprise “computer storage media” and “communications media.”
  • Computer storage media include volatile and non-volatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules, or other data.
  • Computer storage media includes, but is not limited to, RAM, ROM, EEPROM, flash memory or other memory technology, CD-ROM, digital versatile disks (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to store the desired information and which can be accessed by a computer.

Abstract

L'invention concerne des systèmes et des procédés pour découper des segments dans un arbre de segmentation du crédit des consommateurs. Les segments peuvent être définis sur la base d'une analyse d'arbre de régression.
PCT/US2007/063822 2006-03-10 2007-03-12 Procédés et systèmes de segmentation comprenant l'utilisation de nombreuses variables dependantes WO2007106785A2 (fr)

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US78145006P 2006-03-10 2006-03-10
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US78105206P 2006-03-10 2006-03-10
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US7801812B2 (en) 2010-09-21
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US7974919B2 (en) 2011-07-05
US20070255646A1 (en) 2007-11-01
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US7930242B2 (en) 2011-04-19
US20100299247A1 (en) 2010-11-25
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US20070255645A1 (en) 2007-11-01
US20070282736A1 (en) 2007-12-06
US8560434B2 (en) 2013-10-15
WO2007106787A2 (fr) 2007-09-20
US8489502B2 (en) 2013-07-16

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